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Pennsylvania's unemployment rate as of November 2013 was 6.9% making it a bit higher than the U.S. unemployment rate of 6.4%. This means that there is more than 380,000 Pennsylvanians still unemployed.

In addition, Pennsylvania's average household income is $49,520 versus the US average of $51,017. When you couple the state's unemployment rate with this average household income it becomes easy to see why many Pennsylvanians are struggling with debt.

To make matters worse, the costs of basic necessities such as utilities, fuel, food and housing continue to increase putting even more of a financial burden on the state's residents.

Given these numbers, plus the general state of the economy, it becomes abundantly clear as to why many of the state's residents are struggling to pay their bills and to manage their debts. In fact, many Pennsylvanians have turned to online debt consolidation loan companies in order to get help with their debts. Unfortunately, what many of them learned is that there are many online debt relief providers that are basically swindlers.

To help combat this BestDebtConsolidationLoans.org recently analyzed these companies to determine which ones could be trusted to provide Pennsylvania’s residents with reputable debt relief solutions and at affordable costs. This analysis focused on six criteria – consumer satisfaction, fees, debt solution options, financial standing, business ethics and customer service.

The three debt relief providers that ranked highest given these criteria were National Debt Relief, CuraDebt and American Debt Enders. And of these three, BestDebtConsolidationLoans.org gave its top spot to National Debt Relief.

BestDebtConsolidationLoans.org reported that there were several reasons why National Debt Relief was ranked as the best debt relief provider. For example, in terms of business ethics National Debt Relief has an A rating with the Better Business Bureau. The BBB uses a number of factors in rating companies such as National Debt Relief. For example, it must have established and maintained a positive track record in the marketplace, and honestly represented its products and services, including clear and adequate disclosures of all material terms. In addition, the company must have abided by all written agreements and verbal representations, and have approached all business dealings, marketplace transactions and commitments with integrity. National Debt Relief earned it’s A rating by adhering to all these standards and more.

National Debt Relief was also given five stars and ranked number one for debt relief by the website TopConsumerReviews.com. Its review said among other things, "Their staff is knowledgeable and friendly, and together you will create a plan to pay off your debts for less than you owe. Best of all, you can get started on your plan with no upfront fees.” It went on to say that, “Their 100% customer satisfaction guarantee is that if you’re not happy with their service, you can cancel at any time without penalties or fees. This is another strong feature that separates National Debt Relief from most other debt relief companies.”

The company rated as the second best online option for debt relief by BestDebtConsolidationLoans.org is CuraDebt. It specializes in providing financial solutions for total unsecured (or tax debts) of $10,000 or greater. CuraDebt has been in business since 1996 providing financial advice along with creditor negotiations, settlement, and arbitration services to both individuals and small businesses. It has flexible programs that can help with student loan debts, tax debts, medical debts and defaulted loans, as well as with credit card debt reduction.

BestDebtConsolidationLoans.org ranked the company American Debt Enders as the third best option for Pennsylvanians looking for debt relief. This company has an excellent reputation for being able to help consumers achieve debt reduction that owe more than $5000. Its debt counselors can handle almost any type of credit problem. In fact, the company reports that its counselors are even able to often help improve their customers' credit scores.